Entrepreneur
Name
Endang
Member since
August 2015
On-time repayments
271 installments • 93%
About Me
I am a single parent with a beautiful 10-year-old daughter who is attending grade 5 of Elementary School. The father of my daughter left us for granted by the time my daughter was 1 year old.
To provide for my life and my daughter, I opened an online store of home-made clothes for women and children.
My sales profit is used for daily and monthly expenses such as buying food, clothing and school fees for my daughter, and is also used for routine monthly expenses such as electricity, water, taxes.
My Business
It's been 5 years I opened an online store in several marketplace in Indonesia (tokopedia, shopee, bukalapak, carousell). Goods that I sell are goods that are used by women and children everyday that is daster (clothes worn inside the house).
I choose to sell through the marketplace because I think the buyer is more comfortable with the third party where they pay the order goods first, so the buyer is not afraid to be deceived with the goods ordered. Because sometimes there are also naughty sellers by not sending goods orders after the buyer direct money transfer payments to the seller's account.
The disadvantage of selling through the marketplace is the payment of the buyer's order not directly received by the marketplace, and the payment order of the new buyer will be disbursed if the buyer has received their order item.
Because the goods I sell are the everyday clothes used by most Indonesian women, it is often a very high re-order from the buyer. So I often run out of capital to buy stock of goods to the supplier because the sales money is still stuck in the marketplace.
And there are some neighbors who often take my merchandise for their resale, so a little more I can help their economy as well.
During this time, every day I purchased from my online store an average of 5-10 customers everyday, by earning money of USD 46 - USD 91. At one item I take 10% profit - 20%, which can get USD 15 - USD 25 every day. So within 1 month, the profit can be approximately USD 450 - USD 750.
From this advantage I use for loan installments to lenders Zidisha and also to pay for education and provide a decent life for my daughter and also I save as a savings to the reserve fund in case of disaster.
My big dream is to have an offline store, so I get 2 revenue sources from online stores and offline stores.
Loan Proposal
I will use this loan to increase the stock of children"s clothes collection. Kids clothes that I sell is children clothing worn for everyday, and I sell it cheap. Because many models, therefore I need additional funds to buy the stock in order to more varied collection of children"s clothes. This ____Selama pengajukan my loan can be repaid on time, and a great my hope that the loan application is acceptable, so that I can add to the stock collection of items that I sell. Thanks.
Show original Bahasa Indonesia
About Me
Saya adalah seorang single parent dengan seorang putri cantik berusia 10 tahun yang bersekolah di kelas 4 Sekolah Dasar.
Saya membuka toko online yang merupakan pemasukan satu-satunya untuk membiayai kehidupan sehari-hari putri saya.
Uang laba penjualan saya gunakan untuk keperluan biaya harian dan bulanan seperti membeli makanan, pakaian dan biaya uang sekolah untuk putri saya, serta dipergunakan juga untuk membayar listrik, air, pajak.
My Business
Sudah 5 tahun saya membuka toko online di beberapa marketplace di Indonesia. Barang yang saya jual merupakan barang yang dipergunakan wanita dan anak-anak Indonesia sehari-hari yaitu daster (baju dipakai didalam rumah).
Saya memilih jualan melalui marketplace karena menurut saya pembeli lebih nyaman dengan adanya pihak ketiga tempat mereka membayar barang pesanan terlebih dahulu, sehingga pembeli tidak takut tertipu dengan barang yang dipesan. Sebab terkadang ada juga penjual yang nakal dengan tidak mengirim barang pesanan setelah pembeli transfer uang pembayaran langsung ke rekening penjual.
Kelemahan jualan melalui marketplace adalah uang pembayaran pesanan pembeli tidak langsung saya terima melainkan ditahan lebih dahulu oleh marketplace, dan uang pembayaran pesanan pembeli baru akan dicairkan apabila pembeli sudah menerima barang pesanan mereka.
Karena barang yang saya jual merupakan pakaian yang sehari-hari dipakai kebanyakan wanita Indonesia, maka sering terjadi order ulang yang sangat tinggi dari pembeli. Sehingga saya sering kehabisan modal untuk membeli stok barang ke supplier karena uang penjualan masih tertahan di marketplace.
Dan ada beberapa tetangga yang sering ambil barang jualan saya untuk mereka jual kembali, sehingga sedikit banyaknya saya bisa membantu perekonomian mereka juga.
Selama ini, setiap harinya pembelian dari toko online saya rata-rata sehari 5 - 10 konsumen, dengan mendapatkan uang penjualan sebesar USD 46 - USD 91. Per satu barang saya mengambil keuntungan 10% – 20%, yang bisa mendapatkan USD 15 - USD 25 setiap hari. Sehingga dalam waktu 1 bulan, keuntungan yang di dapat kurang lebih sebesar USD 450 - USD 750.
Dari keuntungan ini saya pergunakan untuk angsuran pinjaman kepada lenders Zidisha dan juga untuk membayar pendidikan dan memberikan kehidupan yang layak untuk putri saya dan juga saya simpan sebagai tabungan untuk dana cadangan apabila terjadi musibah.
Impian besar saya adalah memiliki toko offline, sehingga saya mendapat 2 sumber pemasukan yaitu dari toko online dan toko offline.
Loan Proposal
Saya akan gunakan pinjaman ini untuk menambah stok koleksi baju-baju anak. Baju anak yang saya jual adalah baju anak yang dipakai untuk sehari-hari, dan saya jual dengan harga murah. Karena banyak model, oleh karenanya saya membutuhkan tambahan dana untuk membeli stok agar koleksi baju anak makin bervariasi.
Selama ini pengajukan pinjaman saya dapat dilunasi tepat waktu, dan besar harapan saya agar pengajuan pinjaman ini dapat diterima, agar saya dapat menambah stok koleksi barang-barang yang saya jual. Terimakasih.
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Loan Info
Project Type
Classic Loan
Disbursed amount
$689.00
Date disbursed
Feb 16, 2017
Repayment status
On Time
Projected term
4 months
Other loans
Lenders
United States
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Summary
Amount repaid
$688.69
Amount remaining
$0.00
Date repaid
Jul 9, 2017
Status
Fully repaid
Repayment History
| Expected Payments | Actual Payments | ||
|---|---|---|---|
| Feb 27, 2017 | $34.43 | Feb 26, 2017 | $34.43 |
| Mar 6, 2017 | $34.43 | Mar 5, 2017 | $34.43 |
| Mar 13, 2017 | $34.43 | Mar 13, 2017 | $34.43 |
| Mar 20, 2017 | $34.43 | Mar 20, 2017 | $34.43 |
| Mar 27, 2017 | $34.43 | Mar 27, 2017 | $34.43 |
| Apr 3, 2017 | $34.43 | Apr 3, 2017 | $34.43 |
| Apr 10, 2017 | $34.43 | Apr 10, 2017 | $34.43 |
| Apr 17, 2017 | $34.43 | Apr 17, 2017 | $34.43 |
| Apr 24, 2017 | $34.43 | Apr 24, 2017 | $34.43 |
| May 1, 2017 | $34.43 | May 2, 2017 | $34.43 |
| May 8, 2017 | $34.43 | May 8, 2017 | $34.43 |
| May 15, 2017 | $34.43 | May 15, 2017 | $34.43 |
| May 22, 2017 | $34.43 | May 23, 2017 | $34.43 |
| May 29, 2017 | $34.43 | May 29, 2017 | $34.43 |
| Jun 5, 2017 | $34.43 | Jun 5, 2017 | $34.43 |
| Jun 12, 2017 | $34.43 | Jun 12, 2017 | $34.43 |
| Jun 19, 2017 | $34.43 | Jun 20, 2017 | $34.43 |
| Jun 26, 2017 | $34.43 | Jun 28, 2017 | $34.43 |
| Jul 3, 2017 | $34.43 | Jul 3, 2017 | $34.43 |
| Jul 10, 2017 | $34.43 | Jul 9, 2017 | $34.43 |
J Sep 1, 2018
Endang Sep 1, 2018
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